Plans from $99/month. True revenue, positions, and 27 fraud signals included.
ClearStaq vs Plaid
Plaid connects to a merchant's bank account when they log in. ClearStaq works from the statements merchants already send, and returns account data in a Plaid-style shape plus MCA analysis.
Where ClearStaq is different from Plaid
No bank login needed
Works from the PDFs merchants already have. Nothing to connect, nothing for the merchant to authorize.
Plaid-style data from PDFs
The open-banking endpoint returns institutions, accounts, balances and categorized transactions.
MCA analysis on top
Named positions, true revenue, fraud forensics and a graded scorecard.
Side by side
The Plaid column uses only what Plaid publishes about itself, as of November 2026. Check with them for current details.
| Feature | ClearStaq | Plaid |
|---|---|---|
| Bank statement parsing | Account linking | |
| MCA positions named by funder (100+) | Check with vendor | |
| PDF forensics and visual fraud checks | Check with vendor | |
| True revenue and graded scorecard | Check with vendor | |
| Tax returns and application forms | Check with vendor | |
| Client portal with e-signatures | Deal-flow add-on | Check with vendor |
| Partner sends and offers back | Deal-flow add-on | Check with vendor |
| Salesforce package | Every plan | Check with vendor |
| MCP for AI agents | Every plan | Check with vendor |
| Published pricing | From $99/month | Check with vendor |
Choose ClearStaq if
- ✓Your merchants send statements, not logins
- ✓You need MCA positions, true revenue and fraud checks
- ✓You want both: use them side by side
Plaid may fit better if
- •Your merchants will connect their bank accounts
- •You need live balances rather than statement history
FAQ
ClearStaq vs Plaid: questions
Can I use ClearStaq and Plaid together?
Yes. Many teams link accounts when merchants agree, and read statements when they don't.
What does the open-banking endpoint return?
Institutions, accounts with balances, categorized transactions and the revenue, MCA and fraud rollup, in one response.
Does ClearStaq need the merchant's bank login?
No. It reads the statements.